Capital Atlantic Online

Our new alternative digital offering allows clients to book a review online, meet online or in-person and transact electronically.

Kindly complete the information below and book your review.

Capital Atlantic Online

Our new alternative digital offering allows clients to book a review online, meet online or in-person and transact electronically.

Kindly complete the information below and book your review.

We are Online

We at Capital Atlantic have complemented our product offering while streamlining processes by expanding our digital reach and making it easier for our clients to transact online.While we explore ways to make business more efficient, excellent service and the best professional advice remain timeless values and the underpinning of all that we do.In conjunction with our in-person meetings, our clients can now elect to conduct some or all of this process digitally. Client meetings can take place on site or remotely using video conferencing such as Zoom ,Microsoft Teams, Whatsapp or telephonic communication.

We are Independent

Careful selection of the appropriate life insurance and investment companies enabled us to solicit the product range that best suits the complex and unique needs of our clients. Being independent, we offer access to a comprehensive range of financial products and services, currently including over 1000 funds, 80 investment companies, and all leading life Insurers.

Benefits of a Review

Life Insurance

Retirement

Investments

Business Assurance

Financial Needs Analysis

Update your Personal Information

Review- Life Insurance

We tailor the following options to offer each client a personal solution:

Reduce your premium for the same amounts of cover.
Increase your cover for the same or similar premium.
Upgrade your existing cover to the latest benefits or special offers available.
Identify any shortfalls or overlaps in your financial products, for example if you have enough or too little life insurance, income protection or disability cover.
Identify appropriate financial products or risks that you might not be aware of, for example protecting yourself and your family against severe illnesses, such as cancer or stroke, with dread disease cover.
A review of your Estate and Will planning includes drafting a legally binding last will and testament, selecting guardians for your minor children and structuring that maximally reduces the taxation that can be levied against your estate and possessions.

Review- Retirement

Our comprehensive analysis can address all aspects of your retirement plan and or retirement annuity such as:

A cost analysis, whereby all costs and fees payable on your policy are tabled and compared to the most competitive offerings in the market (a reduction in these costs could enable you to earn up to 40% more when you retire).
Identifying your risk profile (where you fall on the spectrum from conservative to aggressive) and ensuring your money is invested accordingly.
Defining your investment mandate, benchmarks, objectives, strategy, and time horizon.
Discussing funds available, the importance of diversification, active investing, passive investing, exchange traded funds and indexes.
Summarising the composition of your portfolio (including offshore components and options).

Saving for retirement is probably one of the most important decisions you will ever make. We all going to retire one day, imagine the peace of mind you’ll have if you know how much income you want or need at retirement. Do you have a plan in place to make your retirement goals a reality? That’s why now is the time to plan for your retirement and speak to your financial advisor about your unique retirement plan.

Review- Investments

A review of your recurring or lump sum Investment, will address:

Are you saving towards a goal, whether it is a deposit on a house or your children’s education, A goal without a plan is simply a wish. Speak to a financial advisor and start planning today for your better tomorrow.

Review- Business Assurance

Are you a Business Owner? If so have you spoken to your financial advisor about vital business assurance products, such as a “Buy and Sell” solution.

The Buy and Sell Solution

When an owner in a business dies or become disabled, it can leave the deceased owner’s estate severely exposed. It can also leave the business exposed, affecting the employees, clients and suppliers. The primary purpose of a buy and sell arrangement is to provide funding to surviving management and/or employees or otherwise interested parties to purchase the interest of a deceased or disabled owner. A buy and sell solution presents a pre-planned exit to an owner in the event of death or disability and ensures continuity of the business (and livelihoods).

This solution consists of two parts, which need to be reviewed on an ongoing basis:

It is of utmost importance that the underlying policy to such an agreement is structured correctly in order:

For more information about numerous businesses assurance products speak to your financial advisor and book a review.

Review - Financial Needs Analysis

The financial planning process focuses on how an individual can meet life goals through the proper management of their financial resources. This requires the development of a comprehensive and holistic financial plan. This will include a review of your current financial status, financial products, income and expenditure, assets and liabilities, savings and investments, retirement provision, estate and risk planning, as well as short and long term objectives. The financial plan would then recommend the strategies to be implemented in order to reach goals, objectives and financial security.

Completing a Financial Needs Analysis may seem like a lot of work, but it is certainly advisable and simply a good idea. It identifies what you need to do to ensure that you and your family are financially provided for should the unexpected happen, and that you will be financially comfortable in your retirement. Your Financial Needs Analysis must be reviewed appropriately to ensure any changes in your life are included in your plan.

Your financial advisor will make recommendations on how you can achieve your financial goals. For example, a financial needs analysis can demonstrate:

How much you need to invest for retirement
How much you need to save towards an emergency fund as well as other savings goals, such as your children’s education
How much life cover and funeral insurance you require
How to insure your income against temporary and/or permanent disability with income protection and disability insurance products
How to protect yourself and your family against severe illnesses, such as cancer or strokes, with dread disease cover

For more information speak to your financial advisor and book a review today!

Review - Update your Personal Information

Your financial advisor will check that all your information is up to date.

It is also important to notify your financial advisor in writing of any material changes to your financial situation, needs and objectives, risk profile, or work and business within a reasonable time after the occurrence of the change (but no later than within 30 days of the change).